https://www.desidime.com/comments/permalink/10519212
Invest in markets and take home loan and pay in emis
I have 50 lakhs rupees, I should purchase a flat and rent or should I invest in Mutual Funds?
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Deal Wiki
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Last updated by: kriti.sharma195
Confused about where to invest? Property or Mutual Funds?
Here's some calculated advice from Dimers!
Returns
Mutual Funds: Historically, mutual funds have provided higher returns, typically ranging from 14% to 19% per annum, depending on the type of fund and market conditions. This performance is bolstered by the power of compounding, making them effective for wealth accumulation over time.
Real Estate: In contrast, real estate investments generally yield lower returns, averaging around 7% to 11% per annum. While real estate can appreciate significantly, its returns have lagged behind those of mutual funds in recent years.
Liquidity
Mutual Funds: These investments offer high liquidity; investors can buy or sell their units at any time, making it easier to access funds when needed.
Real Estate: Selling property can be time-consuming and complex due to market conditions and the need for potential buyers. This illiquidity can be a disadvantage for those needing quick access to cash.
Risk
Mutual Funds: They are generally considered less risky due to diversification across various assets, which helps mitigate individual asset volatility. However, they are still subject to market fluctuations.
Real Estate: While often viewed as stable, real estate carries risks such as market downturns, tenant vacancies, and property maintenance costs. The value of real estate can also depreciate during economic slowdowns
Reference
https://www.desidime.com/discussions/should-i-s...
https://www.desidime.com/discussions/what-is-th...
https://www.desidime.com/news/best-fixed-income...
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Top Comments
https://www.desidime.com/comments/permalink/10520084
I've a home loan too.
What I'm doing is investing the same amount in mutual funds as my EMI.
Home loan interest rate: 8.5%
MF expected (conservative) return rate: 10-12%.
Since MF investing is long term so don't care abt short term market fluctuations which create opportunity to invest lumpsum amt.
If you stay in a tier 1-2 city, get a flat considering you're going to stay there for 5-10 yrs for your job. If your karma bhoomi (workplace) isn't fixed, stay on rent.
I would also advise you to compare the rent and emi that you're gonna have to pay, decide based on that.
https://www.desidime.com/comments/permalink/10520246
neither go for a vacation
https://www.desidime.com/comments/permalink/10520360
ask what u want - house or home ?
if rent > house emi then only buy
owning flats = almost renting due to ever increasing CAM fees
get a cheap authority approved plot somewhere, build a tiny house & explore life.
greed has no limit & it will make u dead by overclocking your brain into money hungry schemes.
it gets very lonely on this money making paper trail
सब ठlठ पढ़ा रह जाएगा जब बंlद चलेगा बनजारा
human life is an opportunity to explore greater purposes instead of exploiting for stocks, mutual funds, real estate etc
50 Gs u have is your ticket to freedom which me & many more dont have; so hope u use it to free yourself instead of getting trapped into money making schemes like a money hungry bish
https://www.desidime.com/comments/permalink/10520569
25 lakhs ka flat lo, 10 lakh ka gold, if u care for animals then give 2.5 L to diff NGO, baki 2.5 L reserve me rkho for bad times, and last 10 lakhs se world travel kro, travel se achcha kuch nh... Mere pas hote 50 L to me yhi krta...
https://www.desidime.com/comments/permalink/10520632
In which Tier1/Tier2 city you get flat for 25 lakhs? In Tier 1 I see cost is min 80 lakh in non prime area.
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https://www.desidime.com/comments/permalink/10522294
Sab daan kar do...... Or stress free life jio... or janglo main jakar tapasya karo......sab moh maya h......😀
https://www.desidime.com/comments/permalink/10522468
Unique and cent percent correct
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https://www.desidime.com/comments/permalink/10523097
See Purchase a flat or invest in FD
From returns
Purchase another flat on loan or invest that in FD again or invest mutual fund
https://www.desidime.com/comments/permalink/10523114
If you are working (invest in mutual funds)
Buy a flat (claim house intrest deduction) - it will save you taxes while having capital gains (from mf)
-----
If you are not working..buy the flat with no loan
https://www.desidime.com/comments/permalink/10523230
asking from random people on internet about this much money 
either u dont have the money in first place or u are just flexing...as if u gonna follow the advice of strangers...go donate and live on himalayas 
https://www.desidime.com/comments/permalink/10523251
Bro, real estate in India is highly overrated. Investing 50L as investment won't guarantee a 2x returns in short term. With time there will be wear and tear, rental issues and hassles to manage. And all that for 4-5% yearly rental return. Better FD that deposit and enjoy peaceful inflow of 40K which you can gamble anywhere you like. Pay EMIs or keep accumulating. Liquidity these days is also an asset most folks overlook
been there done that.
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https://www.desidime.com/comments/permalink/10523315
50% BUY HOME/LAND
rest 50% depoly in MFs in parts
https://www.desidime.com/comments/permalink/10530169
better buy 51% house rooms to demand your share later during dispute
https://www.desidime.com/comments/permalink/10523398
Take a housing loan of 50 lakh and purchase a flat or house. Invest your amount into a SWP (minimum guarenteed 15% return) mutual fund. Suppose emi of 40000 is paid for housing loan for next 20 year from your SWP. After 20 year you will have housing loan paid. And 2 cr + in your MF
https://www.desidime.com/comments/permalink/10523407
Purchase a flat in a good locality. Rent it.
For investments in the stock market or MFs, I would suggest saving a part of your salary and then starting a SIP. If possible, add the rent received from your flat too to this SIP.
https://www.desidime.com/comments/permalink/10523435
If you live in tier 1 city than purchasing flat and rent is better than investing in mutual fund because you generally get around 3-5% yearly.
Moreover your flat rate will appreciate too in meantime.
Else any other scenario go for mutual fund.
https://www.desidime.com/comments/permalink/10523831
no its actually opposite as tier 1 cities have worse rental yields than metros.
so it will make sense to rent in tier 1 city
https://www.desidime.com/comments/permalink/10523530
Invest in NTPC green energy. Or PSU stocks .
They will give good dividend and will be double in 2 years .
NTPC green will expand to 19 GW in next 2 years.
https://www.desidime.com/comments/permalink/10530175
bought 1 share for 120. Now 125! 110000 crore market cap with no thermal or wind power for winters and rain. only solar and maybe hydro.
+5 in 1 day. + 4000 in 2 yrs
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https://www.desidime.com/comments/permalink/10523574
invest in PMS of wrightresearch. you have exact amount. just forget your investment.
https://www.desidime.com/comments/permalink/10529855
how is your review of wrightresearch PMS?
https://www.desidime.com/comments/permalink/10523839
investing in flat is not a good option, just build a corpus to buy land.
invest in 10L in direct equity, 25 lakhs in Mutual Funds through Agressive STP. 5 lakh for gold silver and rest 10 lakhs for averaging purposes mainly in RBI bonds
https://www.desidime.com/comments/permalink/10523854
20% FD.
20% Equity MF.
10% Gold.
50% Land. Bare land. In small district. Authorised area.
Flat is hard to sell if you want. Bare land can be sold easily.
https://www.desidime.com/comments/permalink/10524037
this is somewhat good advice. as markets are already high it's better to keep only part of the amount in equity related that too at the time sudden drop.
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https://www.desidime.com/comments/permalink/10529502
More Flat earth theorizing?
https://www.desidime.com/comments/permalink/10524288
Bro invest in land outskirts or in ur hometown village, setup an agri poultry business
https://www.desidime.com/comments/permalink/10524371
If you are in Maharashtra, purchase a flat through Mhada.
Purchase flat in bigger city like Pune-Mumbai.
You will get better rental yield. But liquidity while selling flat is very very poor.
https://www.desidime.com/comments/permalink/10524549
U can invest it in government bonds which will give u around 9-9.5 % ROI guranteed returns, for atleast 2 years ,
Thereafter, you can invest that interest amount in mutual funds which will give u 12-15% ROI , for 2 years and then after 2 years(consolidated 4 years) u can start investing interest amount in good quality shares which will start giving u 15-20% returns per year
In this way your capital will give u guaranteed around 5 lakh per year for lifetime and other modes will help you to take even more risk for better returns
Somehow about 6-7 years you will start earning good monthly interest from all the three modes ( but most beneficial will be shares which will be giving u dividend income as well along with price appreciation in invested amount)
https://www.desidime.com/comments/permalink/10524657
Real Estate is real and tool to beat inflation and provide secure money stability.
Consider this -
In 2014 - Salary 60k/Month Flat / Plot cost - 40 lacs, Dal - 60 Rs, Cooking oil - 60 Rs, Gas 400 Rs.
In 2024 - Salary 90K/Month Flat / Plot cost - 1 Cr, Dal 180 Rs, Coooking oil - 150 Rs. Gas 1100 Rs.
So you see even when yous salary has increased but due to inflation Real Estate, Expenses, travel, insurance, school fees, services all are increasing faster than your salary.
In essence what you will be able to buy today, you will not be able to buy after 10 years be it real estate, food, service, life style everything. So buy if you can else in future you will not be able to, and if you retire than rents will be so high.
My friend had purchased a flat for 6 lacs with emi of 4k/month in 2000, today the same flat cost is 65 lacs and rent is 35k/month.
https://www.desidime.com/comments/permalink/10525083
Good analysis. But wondering if 25 year old flat is still good and giving good rental yield given it would have become old? Are there any good earning projects like tech park or business park established in that area?
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https://www.desidime.com/comments/permalink/10524695
50:50
-Mark my words rsdential estate will be on decline as investment option as population increasing , fast transport increasing so people from far area too will come as competition to metro and cities , more supply of workforce means less demand means less salary means less purchasing power means real estaet will come down , FDI is certainly not intrested outside of tier 1 ,and there will always will a option at outskirt of cities with good road metro connectivity with all other amenities
but also commercial LAND comes commercial opprutunity (near by metro , airport etc ) if its that go for it cetainly 100%
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Invest in markets and take home loan and pay in emis
This is the most dumbest advice I've ever seen
I've a home loan too.
What I'm doing is investing the same amount in mutual funds as my EMI.
Home loan interest rate: 8.5%
MF expected (conservative) return rate: 10-12%.
Since MF investing is long term so don't care abt short term market fluctuations which create opportunity to invest lumpsum amt.
If you stay in a tier 1-2 city, get a flat considering you're going to stay there for 5-10 yrs for your job. If your karma bhoomi (workplace) isn't fixed, stay on rent.
I would also advise you to compare the rent and emi that you're gonna have to pay, decide based on that.
ask what u want - house or home ?
if rent > house emi then only buy
owning flats = almost renting due to ever increasing CAM fees
get a cheap authority approved plot somewhere, build a tiny house & explore life.
greed has no limit & it will make u dead by overclocking your brain into money hungry schemes.
it gets very lonely on this money making paper trail
सब ठlठ पढ़ा रह जाएगा जब बंlद चलेगा बनजारा
human life is an opportunity to explore greater purposes instead of exploiting for stocks, mutual funds, real estate etc
50 Gs u have is your ticket to freedom which me & many more dont have; so hope u use it to free yourself instead of getting trapped into money making schemes like a money hungry bish